Loans, Allowance for Loan Losses and Credit Quality (Tables)

3 Months Ended

Mar. 31, 2015

Loans, Allowance for Loan Losses and Credit Quality [Abstract]

Tabular disclosure of financing receivables bifuricated by type of impairment evaluation [Table Text Block]

The following tables bifurcate the amount of loans and the allowance allocated to each loan category based on the type of impairment analysis as of the periods indicated:

	March 31, 2015
	(Dollars in thousands)
	Commercial and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Residential Real Estate		Home Equity		Other Consumer		Total
Financing receivables ending balance:
Collectively evaluated for impairment	$	823,023	$	2,561,984	$	291,175	$	86,682	$	655,891	$	870,476	$	18,431	$	5,307,662
Individually evaluated for impairment	$	6,357	$	32,162	$	311	$	1,027	$	15,827	$	6,014	$	1,182	$	62,880
Purchased credit impaired loans	$	—	$	12,298	$	180	$	—	$	9,661	$	426	$	11	$	22,576
Total loans by group	$	829,380	$	2,606,444	$	291,666	$	87,709	$	681,379	$	876,916	$	19,624	$	5,393,118	(1	)

	December 31, 2014
	(Dollars in thousands)
	Commercial and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Residential Real Estate		Home Equity		Other Consumer		Total
Financing receivables ending balance:
Collectively evaluated for impairment	$	856,185	$	2,304,099	$	265,501	$	84,159	$	505,799	$	858,305	$	16,335	$	4,890,383
Individually evaluated for impairment	$	4,654	$	30,729	$	311	$	1,088	$	15,055	$	5,330	$	868	$	58,035
Purchased credit impaired loans	$	—	$	12,495	$	182	$	—	$	9,405	$	228	$	5	$	22,315
Total loans by group	$	860,839	$	2,347,323	$	265,994	$	85,247	$	530,259	$	863,863	$	17,208	$	4,970,733	(1	)

(1) The amount of net deferred fees included in the ending balance was $3.1 million and $2.8 million at March 31, 2015 and December 31, 2014, respectively.

Summary of changes in allowance for loan losses

	Three Months Ended March 31, 2015
	(Dollars in thousands)
	Commercial and Industrial			Commercial Real Estate			Commercial Construction		Small Business			Residential Real Estate			Home Equity			Other Consumer			Total
Allowance for loan losses
Beginning balance	$	15,573		$	25,873		$	3,945	$	1,171		$	2,834		$	4,956		$	748		$	55,100
Charge-offs	(561		)	(141		)	—		(150		)	(185		)	(161		)	(327		)	(1,525		)
Recoveries	379			685			—		67			45			72			192			1,440
Provision (benefit)	(834		)	(132		)	197		134			32			39			64			(500		)
Ending balance	$	14,557		$	26,285		$	4,142	$	1,222		$	2,726		$	4,906		$	677		$	54,515
Ending balance: individually evaluated for impairment	$	308		$	265		$	—	$	5		$	1,453		$	253		$	34		$	2,318
Ending balance: collectively evaluated for impairment	$	14,249		$	26,020		$	4,142	$	1,217		$	1,273		$	4,653		$	643		$	52,197
	Three Months Ended March 31, 2014
	(Dollars in thousands)
	Commercial and Industrial			Commercial Real Estate			Commercial Construction		Small Business			Residential Real Estate			Home Equity			Other Consumer			Total
Allowance for loan losses
Beginning balance	$	15,622		$	24,541		$	3,371	$	1,215		$	2,760		$	5,036		$	694		$	53,239
Charge-offs	(783		)	(2,922		)	—		(268		)	(128		)	(94		)	(371		)	(4,566		)
Recoveries	79			68			—		47			—			93			167			454
Provision (benefit)	683			3,230			199		213			197			(277		)	257			4,502
Ending balance	$	15,601		$	24,917		$	3,570	$	1,207		$	2,829		$	4,758		$	747		$	53,629
Ending balance: Individually evaluated for impairment	$	647		$	369		$	—	$	109		$	1,641		$	114		$	62		$	2,942
Ending balance: Collectively evaluated for impairment	$	14,954		$	24,548		$	3,570	$	1,098		$	1,188		$	4,644		$	685		$	50,687

Internal risk-rating categories for the Company's commercial portfolio

The following table details the amount of outstanding principal balances relative to each of the risk-rating categories for the Company’s commercial portfolio:

		March 31, 2015
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	760,872	$	2,452,783	$	272,974	$	83,855	$	3,570,484
Potential weakness	7	43,159		83,746		18,154		2,832		147,891
Definite weakness-loss unlikely	8	24,950		68,669		538		918		95,075
Partial loss probable	9	399		1,246		—		104		1,749
Definite loss	10	—		—		—		—		—
Total		$	829,380	$	2,606,444	$	291,666	$	87,709	$	3,815,199

		December 31, 2014
Category	Risk Rating	Commercial  and Industrial		Commercial Real Estate		Commercial Construction		Small Business		Total
		(Dollars in thousands)
Pass	1 - 6	$	801,578	$	2,196,109	$	248,696	$	81,255	$	3,327,638
Potential weakness	7	37,802		82,372		15,464		2,932		138,570
Definite weakness-loss unlikely	8	20,241		67,571		1,834		949		90,595
Partial loss probable	9	1,218		1,271		—		111		2,600
Definite loss	10	—		—		—		—		—
Total		$	860,839	$	2,347,323	$	265,994	$	85,247	$	3,559,403

Weighted average FICO scores and the weighted average combined LTV ratio

The following table shows the weighted average FICO scores and the weighted average combined LTV ratios as of the periods indicated below:

	March 31, 2015		December 31, 2014
Residential portfolio
FICO score (re-scored)(1)	739		739
LTV (re-valued)(2)	63.8	%	67.1	%
Home equity portfolio
FICO score (re-scored)(1)	765		764
LTV (re-valued)(2)	53.5	%	53.6	%

(1) The average FICO scores for March 31, 2015 are based upon rescores available from February 28, 2015 and origination score data for loans booked between March 1 and March 31, 2015. The average FICO scores for December 31, 2014 are based upon rescores available from November 30, 2014 and origination score data for loans booked between December 1, 2014 and December 31, 2014.

(2) The combined LTV ratios for March 31, 2015 are based upon updated automated valuations as of February 28, 2013 and origination value data for loans booked between March 1, 2013 and March 31, 2015. The combined LTV ratios for December 31, 2014 are based upon updated automated valuations as of February 28, 2013 and actual score data for loans booked from March 1, 2013 through December 31, 2014. For home equity loans and lines in a subordinate lien, the LTV data represents a combined LTV, taking into account the senior lien data for loans and lines.

Summary of nonaccrual loans

The following table shows nonaccrual loans at the dates indicated:

	March 31, 2015		December 31, 2014
	(Dollars in thousands)
Commercial and industrial	$	4,542	$	2,822
Commercial real estate	8,459		7,279
Commercial construction	311		311
Small business	267		246
Residential real estate	8,591		8,697
Home equity	7,976		8,038
Other consumer	7		—
Total nonaccrual loans(1)	$	30,153	$	27,393

(1) Included in these amounts were $4.9 million and $5.2 million of nonaccruing TDRs at March 31, 2015 and December 31, 2014, respectively.

Age analysis of past due financing receivables

The following table shows the age analysis of past due financing receivables as of the dates indicated:

	March 31, 2015
	30-59 days			60-89 days			90 days or more			Total Past Due					Total Financing Receivables		Recorded Investment >90 Days and Accruing
	Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Current
	(Dollars in thousands)
Loan Portfolio
Commercial and industrial	8	$	236	7	$	973	25	$	4,256	40	$	5,465	$	823,915	$	829,380	$	—
Commercial real estate	16	3,189		5	714		23	6,896		44	10,799		2,595,645		2,606,444		—
Commercial construction	—	—		—	—		1	311		1	311		291,355		291,666		—
Small business	9	134		3	45		11	211		23	390		87,319		87,709		—
Residential real estate	13	3,275		7	1,044		28	3,061		48	7,380		673,999		681,379		103
Home equity	17	1,098		7	535		22	2,078		46	3,711		873,205		876,916		38
Other consumer	34	146		8	59		10	53		52	258		19,366		19,624		46
Total	97	$	8,078	37	$	3,370	120	$	16,866	254	$	28,314	$	5,364,804	$	5,393,118	$	187

	December 31, 2014
	30-59 days			60-89 days			90 days or more			Total Past Due					Total Financing Receivables		Recorded Investment >90 Days and Accruing
	Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Number of Loans	Principal Balance		Current
	(Dollars in thousands)
Loan Portfolio
Commercial and industrial	18	$	3,192	10	$	1,007	19	$	2,320	47	$	6,519	$	854,320	$	860,839	$	—
Commercial real estate	19	13,428		6	1,480		16	4,225		41	19,133		2,328,190		2,347,323		—
Commercial construction	1	506		—	—		1	311		2	817		265,177		265,994		—
Small business	7	21		8	113		7	173		22	307		84,940		85,247		—
Residential real estate	13	1,670		10	1,798		36	4,826		59	8,294		521,965		530,259		106
Home equity	20	1,559		7	307		23	2,402		50	4,268		859,595		863,863		—
Other consumer	34	233		6	20		8	13		48	266		16,942		17,208		13
Total	112	$	20,609	47	$	4,725	110	$	14,270	269	$	39,604	$	4,931,129	$	4,970,733	$	119

Foreclosed Residential Real Estate Property [Table Text Block]

The following table shows information regarding foreclosed residential real estate property at the date indicated:

	March 31, 2015
	(Dollars in thousands)
Foreclosed residential real estate property held by the creditor	$	2,239
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	1,508

Summary of Troubled Debt Restructuring and other pertinent information

The following table shows the Company’s total TDRs and other pertinent information as of the dates indicated:

	March 31, 2015		December 31, 2014
	(Dollars in thousands)
TDRs on accrual status	$	36,887	$	38,382
TDRs on nonaccrual	4,899		5,248
Total TDRs	$	41,786	$	43,630
Amount of specific reserves included in the allowance for loan losses associated with TDRs:	$	1,816	$	2,004
Additional commitments to lend to a borrower who has been a party to a TDR:	$	2,071	$	1,400

Change in investment recorded subsequent to modifications

The following table shows the modifications which occurred during the periods indicated and the change in the recorded investment subsequent to the modifications occurring:

	Three Months Ended
	March 31, 2015
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial and industrial	3	$	156	$	156
Commercial real estate	1	239		239
Small business	2	50		50
Residential real estate	3	157		157
Home equity	2	184		184
Total	11	$	786	$	786

	Three Months Ended
	March 31, 2014
	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment (1)
	(Dollars in thousands)
Troubled debt restructurings
Commercial and industrial	9	$	424	$	424
Commercial real estate	6	1,883		1,883
Small business	1	58		58
Residential real estate	2	513		542
Other consumer	1	8		8
Total	19	$	2,886	$	2,915

(1) The post-modification balances represent the balance of the loan on the date of modifications. These amounts may show an increase when modifications include a capitalization of interest.

Post modification balance of Troubled Debt Restructuring

The following table shows the Company’s post-modification balance of TDRs listed by type of modification during the period indicated:

	Three Months Ended March 31
	2015		2014
	(Dollars in thousands)
Extended maturity	$	642	$	835
Adjusted interest rate	—		728
Combination rate & maturity	114		1,344
Court ordered concession	30		8
Total	$	786	$	2,915

Troubled Debt Restructurings that subsequently defaulted

The following table shows loans that have been modified during the past twelve months which have subsequently defaulted during the periods indicated.

	Three Months Ended March 31
	2015			2014
	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
	(Dollars in thousands)
Troubled debt restructurings that subsequently defaulted
Commercial real estate	1	$	378	1	$	176
Commercial and industrial	—	—		2	52
Residential real estate	—	—		1	327
	1	$	378	4	$	555

Impaired loans by loan portfolio

The tables below set forth information regarding the Company’s impaired loans by loan portfolio at the dates indicated:

	March 31, 2015
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	3,489	$	4,139	$	—
Commercial real estate	21,323		22,615		—
Commercial construction	311		311		—
Small business	680		721		—
Residential real estate	3,464		3,556		—
Home equity	4,731		4,781		—
Other consumer	677		681		—
Subtotal	34,675		36,804		—
With an allowance recorded
Commercial and industrial	$	2,868	$	2,887	$	308
Commercial real estate	10,839		10,974		265
Small business	347		372		5
Residential real estate	12,363		13,517		1,453
Home equity	1,283		1,410		253
Other consumer	505		505		34
Subtotal	28,205		29,665		2,318
Total	$	62,880	$	66,469	$	2,318

	December 31, 2014
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	3,005	$	3,278	$	—
Commercial real estate	15,982		17,164		—
Commercial construction	311		311		—
Small business	692		718		—
Residential real estate	2,439		2,502		—
Home equity	4,169		4,221		—
Other consumer	338		341		—
Subtotal	26,936		28,535		—
With an allowance recorded
Commercial and industrial	$	1,649	$	1,859	$	412
Commercial real estate	14,747		15,514		197
Small business	396		458		7
Residential real estate	12,616		13,727		1,500
Home equity	1,161		1,264		262
Other consumer	530		530		38
Subtotal	31,099		33,352		2,416
Total	$	58,035	$	61,887	$	2,416

Interest income recognized on impaired loans

The following tables set forth information regarding interest income recognized on impaired loans, by portfolio, for the periods indicated:

	Three Months Ended
	March 31, 2015
	Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	3,862	$	57
Commercial real estate	21,137		310
Commercial construction	311		3
Small business	722		11
Residential real estate	3,474		40
Home equity	4,749		52
Other consumer	586		7
Subtotal	34,841		480
With an allowance recorded
Commercial and industrial	$	2,871	$	36
Commercial real estate	10,872		137
Small business	356		6
Residential real estate	12,410		173
Home equity	1,289		14
Other consumer	513		5
Subtotal	28,311		371
Total	$	63,152	$	851

	Three Months Ended
	March 31, 2014
	Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded
Commercial and industrial	$	5,409	$	68
Commercial real estate	21,522		333
Commercial construction	100		3
Small business	1,456		24
Residential real estate	2,938		28
Home equity	4,529		52
Other consumer	413		8
Subtotal	36,367		516
With an allowance recorded
Commercial and industrial	$	3,516	$	39
Commercial real estate	16,640		207
Small business	460		8
Residential real estate	13,679		132
Home equity	623		7
Other consumer	800		7
Subtotal	35,718		400
Total	$	72,085	$	916

Certain Loans Acquired In Transfer Accounted For As Debt Securities Acquired During Period

The following table displays certain information pertaining to PCI loans at the dates indicated:

	March 31, 2015		December 31, 2014
	(Dollars in thousands)
Outstanding balance	$	25,992	$	25,279
Carrying amount	$	22,576	$	22,315

Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement Schedule

The following table summarizes activity in the accretable yield for the PCI loan portfolio:

	Three Months Ended March 31
	2015			2014
	(Dollars in thousands)
Beginning balance	$	2,974		$	2,514
Acquisition	319			—
Accretion	(964		)	(377		)
Other change in expected cash flows (1)	219			541
Reclassification from nonaccretable difference for loans which have paid off (2)	79			—
Ending balance	$	2,627		$	2,678

(1) Represents changes in cash flows expected to be collected and resulting in increased interest income as a prospective yield adjustment over the remaining life of the loan(s).

(2) Results in increased interest income during the period in which the loan paid off at amount greater than originally expected.